Saturday, January 27, 2018

This Is NOT Funny

I resisted getting a Debit Card but finally caved.  Then I started reading a lot of reports that you should use a credit card instead of a debit card because you are better protected if your card is hacked.  So I began using the card then paying the balance when the bill comes.  I really like that because I can actually keep better track of how we are spending AND I like the cash back credits we get.

I usually only read emails once a day in the morning.  But I was waiting for some information so I checked it about noon on Friday.  An email from Chase caught my eye asking to confirm a purchase to IHOP.  Crap...there's another one.  This one is Nordstrom' for $131.00.  What the heck..Nordstrom's for $131.  What can you buy at Nordstrom's for $131?  A pair of socks maybe?  After clicking to say they were not my purchases, I hurried over to to check my account.  There was an entry for $453 and then a credit for the same amount to another .com.  Then one for over $1000 and again a credit for the same amount.  There were also several other charges that took my card right up to the balance.  I had just checked my statement and planned to pay the balance but got interrupted.  Good thing or the crooks would have gotten away with more.

So I called the Chase fraud department to close the account and get a bit of information.  I confirmed which charges were mine and which were not.  I asked how the hackers could use my card when I had it right in front of me.  Here is some of the information I got and I thought I would pass it on to anyone that is interested.

Hackers get your card info if you swipe it in one of those fake readers you hear about being placed on gas pumps. (I always pay inside).

Hackers get your info if they have hacked a business where you have used your card.

Hackers can hack the company that issued your card.

After a Hacker gets your information they will try several transactions at .com companies such as Walmart and Amazon and then cancel the transactions in order to find out how high your limit is.

The IHOP charge was made on line, then possibly the order was picked up.  It was made in Lavonia MI, at least a day drive from me.  All other charges were to .com sites.

I am not sure if I will be asked for more information to prove the charges are not mine.  But my card account has been closed and another card is being issued.  Since my card has a chip, Chase is sending an envelope for me to return the card to them.

From now on I'm going to check my email more often.  I'm going to continue to use my credit card rather than my Debit Card.  I'm pretty sure if all this had happened on my checking account it would have been more difficult to get my money back.


FlashinScissors said...

Oh gosh, Carol! So sorry to hear about your trouble. Hope it doesn’t happen again!
Barbara xx

Sandra said...

So sorry to hear your card was hacked; and then you had to go to the extra work of taking care of the problem. Everything in life that is supposed to make life easier...doesn't always seem to work that way. Best of luck that you will have no more problems.

maureenlthompson said...

OH my goodness, that is terrible. Glad you could get it sorted. Hope that is the end of it. Scary stuff!!!

Jan said...

Sorry for the hack! Good thing you are using credit instead of debit and also that you have alerts on your email. Thanks for sharing the info about how hackers work, too. I use my credit card for nearly everything these days, and keep a close eye on my account. In this day and age we must be constantly on the ball to guard ourselves. Hope you only lose some time, taking care of this problem, and not any money or credit rating.

Kit said...

Yes, use a credit card and you will be libel for less. Our number was sold once and used in Ohio! I live in Montana. We are lucky and our bank calls us if they notice any unusual places our card is being used. I always put in a travel plan. And I check my account online each day. I am glad it wasn't worse for you. :) Kit

barbara woods said...

i always use a credit card when ordering on line because one time ours was hacked in Asia and the bnck that i got it from called me and stopped payment and took all the ones i hadn't made off!

Momma Bear said...

how annoying! you can protect yourself as best you can and still get hacked! well phoo! I got hacked once and it was such a pain, and weired enough all the purchases were in arizona. Arizona? I was with chase at the time and had to prove id never been there.
I live in washington do i look like i've got a tan? ugh. a week of grilling. and my credit score was screwed, even though it wasn't my doing.
I stay away from the big banks now our credit union is great and when they see a purchase that looks wrong they call you right away and/or issue another card.
I pay attention to gas station and restaurant purchases now

Roberta Warshaw said...

It is all too scary these days. I never use my debit card for anything but withdrawing money from the ATM. I only use my credit card online through PayPal. So they are the only ones who have the actual number.

I do use my airline card for groceries so I can get miles in order to fly out here to Arizona all the time. Once we move I won't need the miles so much and so hopefully I can just stop using it so much.

I always check all my accounts every day. Sometimes twice a day.

It is exhausting keeping up with it all. When will it all end?

Anonymous said...

Oh Carol omg this is terrible,you have me thinking that maybe i should do the same .
I am so sorry that you were hacked but i am pleased that you have it all under control,you have given me something to think about my friend xx

Studio Maywyn said...

Sorry you had to go through all that. It is very disturbing emotionally to be hacked, and can take a long time for the trauma to settle.
Thank you for the tips
I add...
1. Use RFID sleeves on all cards, and a wallet for it all
2. Never mention $ amounts and specific accounts online
3. Internet browsing, be careful where you visit and post comments that can be used to profile and/or target you

Debra said...

I'm so sorry you had to go through all of this. It's awful.

Timaree said...

Most banks now cover the debit card too. Try putting it in Apple Wallet if you have an Iphone or Google Wallet if not. Those make one-time account numbers so even if someone has a reader to read it, it can’t be used again. Not everyplace uses those wallets though but I am figuring the more we DO use them when possible (like McDonalds or Starbucks) more will come online with them.

I haven’t been personally hacked but my husband has had it happen a few times. He’s always gotten his money back. My son’s friend who was on a working trip in Africa had $8000 deducted from her account and the company returned it all to her.

So sorry you had to deal with this. It sure isn’t pleasant. So far my husband has had just cards hacked. My son-in-law had his whole identity stolen and found out when the police came to his door to tell him!

Cathy said...

Wow, that’s scary. Our credit union calls us when there is anything out of the ordinary on our account, but the idea of fake readers is unsettling. Especially when one travels out of their usual area. Good info and tips, though, so thanks for the post. Glad you got it all taken care of with no loss to you.

Janine @ Rainbow Hare said...

That's awful! Thank goodness you noticed and they seem to be sorting it out.

Anonymous said...

You are right about it being hard to get it back into your checking - if you do, it usually takes at least 30 days! I don't know about you, but I need my money and can't wait 30 days! I use American Express and Target exclusively, because both of those companies catch things immediately - I mean within minutes - and they don't pay something until I say it's mine - which it never is when they catch one. It happens with each one every few years, in spite of my being extremely careful in my use of them. I have not yet had to prove anything to anyone when I claimed a fraud. I hope Chase is at least that good.

AmEx expedites a new card to me overnight, and Target takes about 2 days to get here, but I can wait with the assurance that I don't have to pay those charges! One time, a bunch of sporting equipment was delivered right to my door. Target Mastercard and I had already worked it out days before, but I thought how crazy for someone to order something and have it delivered to me! The UPS man thought maybe they planned to steal it off my porch, but ha, ha, I'm a stay at home, and I was home that day, so it was returned to the company.

Monitoring your account often is the best thing to do. I also check the gas pumps when I use a card there. At the place I shop, there is someone on duty right in a kiosk in the middle, and he or she can see all the pumps, so I'm not too worried.

Magpie's Mumblings said...

ooooh boy - scary stuff! We had an issue with our Visa card a couple of years ago - somebody got hold of our number somehow and changed our address and had us moved out to the west coast. A few weeks later (within the billing period for the card) they changed it the east coast. That woke up the people at Visa and they notified us. THEN when I attempted to close our account they told me that I wasn't me - that I couldn't possibly live here and that I HAD to live on the east coast....simply because their records said so. What an ordeal it was to convince them what was going on. When the dust finally settled their fraud dept. told me that it was a new fraud set up - they make small purchases from the changed addresses and then hit you big if you don't notice the charges. Another warning to check your bills VERY carefully.

Rose said...

I doubt you have to do any more to prove you didn't purchase those items...I have had my number used a couple times and all I had to do was call and tell them which wasn't mine. But I could tell you a tell you wouldn't believe if I told you. sort of the opposite of this.

Back before we ever had a computer, I ordered a flash from a photography of those in the back of Popular Photography. So about a week later it arrives, and for some reason I look in detail at the purchase order. They had used a credit card # that was not mine...

I called them to tell them, and they tried to tell me I had mistakenly given a Sears Card or JC penney card...etc...and I am like, NO, I Didn't. I was looking at my card when I gave it and this number does not match those numbers anyway.

Barbara said...

I’m sorry this happened to you, Carol. This kind of thing has only happened to us once. Someone used our bank Visa card number to purchase thousands in diamonds! The bank caught it and called us the same day. It was handled efficiently and quickly. We got a new card and halve not had a problem since. There are no sure-fire ways to prevent this kind of thing because hackers are always finding ways around them, but one caution is to know that emails often look valid when they are not. I count on my bank getting in touch personally by phone when something doesn’t look right. If I doubt the validity of the phone call, I can call them back at the number printed on the back of the card. Thank goodness major creditors like Visa are guaranteed to make things right.
Be careful, it’s a jungle out there!

Nicole Beadwright Campanella said...

Our world today is just insane. So glad you caught it all.

Renee said...

Yikes! We have had similar situations. Our card company actually called twice (several years apart) with suspicious activity. The first time, my husband had to call in an order to a company to buy something for work and he is pretty sure the person he spoke with used the card. Luckily, they made their on-line purchases at the same time I was making a purchase at a store. The fraud department found it iffy and called me. The second time, the person attempting to use our card made a $5 purchase on-line that I assumed my husband made. They waited a month to see if it went through and then tried to make a few much larger purchases. Luckily, some of the info they used was inconsistent with our info, which sent up a red flag. Now I check with my husband for any tiny purchase I don't recognize to make sure it was ours. It's my understanding that Visa and Chase are both great with their fraud protection. I'm sorry you had to go through that, though!